3788 Pine Tree Ter, Portage, MI 49024 Property Records

Kalamazoo County property record for 3788 Pine Tree Ter, Portage, MI 49024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,961 sqft
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$36,000 (Nov 2017)
Tax Bill	$9,757 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Oct 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-08000-028-O`

Property Details

APN / Parcel Number

Primary APN	`10-08000-028-O`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,961 sqft Living Area
1st Floor Area	1,491 sqft
Basement Area	1,491 sqft

Exterior

Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	140 ft deep x 104 ft wide
Garage Area	659 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	3788 PINE TREE TER
City	PORTAGE
State	MI
Zip	49024-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	SUNBURST HILLS LOT 28
Legal Subdivision	SUNBURST HILLS
Legal Lot Number	28
Jurisdiction	KALAMAZOO MI
Township / Civil Division	PORTAGE
Census Block Group	1
Census Block	1007
Census Tract	2004

Owner

3788 Pine Tree Ter is owned and occupied by two individuals who bought it in November 2017.

Source: Kalamazoo County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3788 PINE TREE TER, PORTAGE, MI 49024-1039
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ARBOR FINANCIAL CU
Oct 10, 2017	Deed of Trust, Mortgage · ARM LAKE MICHIGAN CU
Feb 19, 2021	Deed of Trust, Mortgage · Construction Mortgage NORTHPOINTE BANK
Nov 29, 2017	Warranty Deed, Subdivision Related Transfer ADVANTAGEONE TITLE, ADVANTAGE TITLE
Jul 11, 2017	Warranty Deed, Transfer DEVON TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2017 · Amount on File
Deed Sale	Nov 29, 2017 · Amount on File
Prior Sale	Jul 11, 2017 · Amount on File
Deed Document Number	201739663
Prior Transfer Date	Feb 9, 2009
Prior Transfer Doc	2009009191
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	3788 PINE TREE TER, PORTAGE, MI 49024-1039
Transaction Type	Mortgage
Record Updated	Feb 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3788 PINE TREE TER, PORTAGE, MI 49024-1039

Mortgage

Document Number	2024003578
Date	Feb 14, 2024
Instrument	2024-003578

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2039

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	3788 PINE TREE TER, PORTAGE, MI 49024-1039
Transaction Type	Mortgage
Record Updated	Aug 12, 2021
Title Company	METRO ADVANTAGE TITLE, METRO ADVANTAGE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017033933
Date	Oct 10, 2017
Instrument	2017-033933

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.86%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.86%
Index	1-Year LIBOR
Max Rate	8.86%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KALAMAZOO MI
Property Address	3788 PINE TREE TER, PORTAGE, MI 49024-1039
Transaction Type	Mortgage
Record Updated	Aug 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021007091
Date	Feb 19, 2021
Instrument	2021-007091

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KALAMAZOO MI
Recording Date	Nov 29, 2017
Property Address	3788 PINE TREE TER, PORTAGE, MI 49024-1039
Document Number	2017039663
Map Reference	LB31 PG9
Instrument Date	Sep 25, 2017
Instrument	2017-039663
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 12, 2021
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

Amount	Amount on Record
Tax	$309.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37488 PINE TREE TERR, 37488, PORTAGE, MI 49024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 ROYCE AVE, KALAMAZOO, MI 49001

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KALAMAZOO MI
Recording Date	Jul 11, 2017
Property Address	3788 PINE TREE TER, PORTAGE, MI 49024-1039
Document Number	2017023320
Map Reference	LB31 PG9
Instrument Date	Jun 29, 2017
Instrument	2017-023320
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	DEVON TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$258.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3761 PINE TREE TER, 3761, PORTAGE, MI 49024-1038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 TREASURE ISLAND DR, MATTAWAN, MI 49071-9470

Tax Assessment & Valuation

The 2025 property tax bill for 3788 Pine Tree Ter was $9,757 with a homeowner's exemption.

Source: Kalamazoo County assessment roll, as of September 18, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Kalamazoo County
Municipality	Portage City
Unified School District	Portage Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$310,000 (+2.68%)	$620,000 (+2.68%)
2025	$9,757.00 Homeowner's exemption	$301,900	$603,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3788 Pine Tree Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 8, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3788 Pine Tree Ter is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PORTAGE serves 46,292 people · EPA ID MI0005520
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Midwest Energy & Communications.

Nearby Properties on Pine Tree Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures